Personal Financial Management

Getting Started

Eligibility for participation in our program extends to individuals across various sections of the military community.

• Service Members
• Family Members
• DoD Employees

Getting started is easy!

Contact us.
Get professional guidance and support tailored to your financial goals.

Make an appointment.
Schedule your personalized financial consultation today! Making an appointment is easy – just reach out to our program office and take the first step towards financial success.

Register for a workshops or courses.
Sign up for our workshops and classes to enhance your financial literacy! Register now to secure your spot and gain valuable insights into managing your money effectively.

Explore our webpage.
Discover helpful financial tools and resources provided by the Personal Financial Management Program. From workshop schedules to helpful resources, everything you need to get started is just a click away!

Financial Services

Unlock your financial potential with our comprehensive services! From budgeting and debt management to retirement planning and investment guidance, we're here to support your journey towards financial success.

Contact us today to explore how we can help you achieve your financial goals.

• Blended Retirement System (BRS)
• Car Buying
• Consumer Awareness
• Continuation Pay
• Couple Financial Counseling
• Credit Report and Credit Score Analysis Saving and Investing
• Credit / Debt Management
• Developing a Spending Plan
• Financial Education Action Points (FEAP)
• Individual Financial Counseling
• Major Purchases
• Military Pay & Benefits
• Retirement Planning
• Survivor Benefits Plan
• Thrift Savings Plan
• Understanding Military Retirement Benefits

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Budgeting Tools

Contact your local Personal Financial Management Program office for helpful tools for managing your money to take charge of your finances.

• Financial Well-Being Assessment 
• Spending Plan Worksheet
• Personal Net Worth Tracker
• Financial Calculators
• Sen$e App

Financially Fit Kids

Providing kids with financial skills help them avoid debt and prepare for big expenses and the future. Knowing how to handle money also gives kids confidence and helps them make smart choices as they get older.

Learn more about tips and tools available to help raise Financially Fit Kids.

• Values & Habits
• Self Assessment
• Communication Skills
• Goal Setting
• All About Allowances
• System for Saving
• Create a Spending Plan
• Tips & Videos

Become a Command Financial Specialist

• Minimum pay grade is E6 and above.
   
• Highly motivated and financially stable.
   
• Have no record of Letters of Indebtedness/Non-Sufficient Funds/NJP/Poor performance counseling above the rank of LCPL.
   
• Successfully complete the Leading Marines Course and MCI's 3420 and 3422 on Personal Financial Management.
   
• Must have at least one year remaining on station/present command at completion of CFS Course.
   
• Participate in continuing education such as CFS forums and refresher training.

Blended Retirement System

The Blended Retirement System (BRS) is a way for service members to save for retirement, introduced in 2018. Unlike the retirement services in the past where only those who served for 20 years recieved a pension, the BRS offers benefits for almost all service members.

The BRS combines a regular pension for those who serve at least 20 years with a savings plan similar to a civilian 401(k), where the government also adds money to your savings.

The BRS makes it possible for military personnel to start building their retirement savings early in their careers, whether they plan to stay for the full length of service or not.

Learn more about the Blended Retirement System at

Blended Retirement System

Continuation Pay

Continuation Pay under the Blended Retirement System (BRS) is a one-time bonus offered to military members who agree to extend their service beyond their current enlistment period.

This bonus serves as an incentive for service members to continue their military career at mid-career points.The amount and timing of continuation pay vary by service branch, and the specific details are determined based on factors like rank and years of service.

Accepting continuation pay comes with a commitment to serve for an additional number of years, and failing to fulfill this commitment may require the service member to repay the received bonus.

Continuation Pay

Frequently Asked Questions

What is the Personal Financial Management Program (PFMP)?
The PFMP provided by Marine Corps Community Services (MCCS) is a comprehensive financial education and counseling program designed to assist service members, their families, and DoD employees in managing their personal finances effectively.

Who is eligible to participate in the PFMP offered by MCCS?
The program is available to service members, reservists, retirees, their family members, and DoD civilian employees.

What services does the PFMP offer?
The program includes workshops, seminars, one-on-one financial counseling sessions, and access to online resources covering topics such as budgeting, saving, investing, debt management, and retirement planning.

Is there a fee associated with participating in the PFMP offered by MCCS?
The services provided by PFMP are offered free of charge to eligible individuals and their families.

How do I schedule an appointment for financial counseling through the PFMP?
To schedule a counseling session, individuals can contact their local PFMP office or visit the office for appointment scheduling options.

Are the PFMP workshops and seminars available online for remote participation?
Yes, PFMP offers online workshops and seminars to accommodate service members and DoD employees stationed in various locations. Check with your local office for availability.

What types of financial topics are covered in the PFMP workshops and seminars?
The program covers a wide range of financial topics, including budgeting, credit management, debt reduction strategies, savings and investing, retirement planning, and financial goal setting.

Can family members participate in PFMP workshops and counseling sessions?
Yes, family members of service members and DoD employees are encouraged to participate in PFMP workshops and counseling sessions to improve their financial literacy and management skills.

Is financial counseling provided by certified professionals?
Yes, PFMP financial counselors are trained and certified to provide financial education, counseling, and assistance to service members and their families.

Does the PFMP provide assistance with military-specific financial challenges, such as deployment-related financial planning?
Absolutely, PFMP counselors are trained to address military-specific financial challenges and provide guidance on deployment-related financial planning, including savings strategies, financial readiness, and resources available during deployment.

Can DoD employees who are not military service members also access PFMP services through MCCS?
Yes, PFMP services are available to DoD civilian employees to help them manage their personal finances effectively.